You are entitled to recover for pain and suffering when someone else causes your pain. In other words, if you crash against a telephone pole, you insurance company will cover your medical bills (if you have personal injury protection), but will not cover your pain and suffering.
Now, if you cause the accident and you have [...]
If you are in a vehicle accident, one of the best things you can do it to take some accident photos. Good accident photos will be critical to winning your case. In most cases, you can display the lay out of the vehicles after the wreck. This way no one can be changing their story [...]
This is a much disputed subject and one that insurance companies are capitalizing on. If you are hit and your car is declared a total loss, then how many days do you have to find or buy another auto? Many states allow for only 3 days! Finding a car in three days is a challenge [...]
Once your insurance company pays for damages caused to your car then what? Does the insurance company just write it off as a loss? If the person that hit you has no insurance, then the insurance company has a difficult road ahead to recover for the monies paid.
Subrogation of Rights clauses in your policy allow [...]
Insurance companies follow a simple formula to find out who is at fault. The formula is Duty + Breach +Causation + Damages = negligence or fault.
Insurance carrier follow court decision that tells them the elements necessary to put negligence on someone. The first element is duty.
Everyone behind the wheel of the vehicle has a duty [...]
If your vehicle is broken into and there is damage to personal property, it is possible that the insurance company will exclude coverage completely. Insurance policies are written in such a way that you have to get homeowners or renter’s insurance in addition to your auto policy to have coverage for personal property.
Usually the battle [...]
The answer is no! Or at least no without an attorney. Recorded statements are ways to frame you and to use your own words against you. If you are thinking about giving a recorded statement, then you must be very careful.
I usually tell people to think carefully if they want to give a recorded statement [...]
Insurance companies will write the Auto Damage Estimate accounting for the depreciation of your vehicle. They will tell you that since they only owe you Actual Cash Value (the value of your car the day it was hit), then they owe you to fix that car with used parts.
The theory insurance companies like is that [...]
Any time that there is an accident, evidence will be collected so coverage and fault can determined. This evidence consists of photos, police report, and statements. The accident investigation can take a long time and many adjusters cut corners. You need to make sure that all the necessary steps are taken before they put [...]
If your vehicle is a total loss, then you need to learn how insurance companies evaluate your damages and the fair market value of your car.
In many occasions, the fair market value of the car is not really “fair”, or at least not for the consumer (you). The insurance company has complete control on how [...]
Your Policy Declarations page is the very first page in your insurance policy that will contain all the information that will control every transaction between you and your insurance company. This page is the most critical piece of the entire policy. If there is a mistake in this page, the insurance company can deny coverage.
Why [...]
Dealing with the total loss of your car can be very frustrating and very trying. Insurance companies add or leverage against you by cutting your rental car as soon as they can possibly can. Most insurance company would cut your rental car three days after they send you a payment for the total loss of [...]
